Automated banking machine system and method

• US 7,789,295 B2
• Filed: 06/22/2007
• Issued: 09/07/2010
• Est. Priority Date: 04/05/2006
• Status: Active Grant

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Self-Service Systems (Diebold Nixdorf, Incorporated)
• Inventors: Smith, Mark D., Ramachandran, Natarajan, Kolinski-Schultz, David E., Blackson, Dale H., Mateen, Atta
• Primary Examiner(s): Frech, Karl D.
• Application Number:
  US11/821,227
• Publication Number:
  US 20070246525A1
• Time in Patent Office: 1,173 Days
• Field of Search: 235/379, 705/35, 705/39, 705/42, 705/44, 705/45, 209/583, 713/200
• US Class Current: 235/379
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 30/224 of printed characters having additional code marks or containing code marks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/203 Dispensing operations within ATMs dispensing in general G07D11/00
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: G07F 7/04 by paper currency

Abstract

A card actuated automated banking machine (152, 198, 200) includes a plurality of transaction function devices. The transaction function devices include a card reader (170), a printer (174), a bill dispenser (176), a coin dispenser (178), a display (182), a check imaging device (186) and at least one processor (190). The automated banking machine is operative responsive to receiving a check and certification data to dispense cash in exchange for the check. The person presenting the check need not provide user identifying inputs through input devices in order to receive cash for the check. A check recipient prior to presenting the check for payment is also enabled to verify that the check will be paid through communication with at least one computer (204) through at least one consumer interface device (208).

Claims

1. A method comprising:

(a) receiving from an account holder through at least one consumer interface device in operative communication with at least one financial account computer, data identifying a check on an account of the account holder and a check amount associated with the check;

(b) determining through operation of the at least one financial account computer that the check can be validly drawn on the account in the check amount;

(c) responsive to the determination in (b), providing certification data to the account holder through the at least one consumer interface device, responsive to operation of the at least one financial account computer;

(d) responsive to operation of the at least one financial account computer, storing data corresponding to the check, the check amount and the certification data in at least one data store in operative connection with the at least one financial account computer;

(e) subsequent to steps (a)-(d), receiving with an automated banking machine remotely disposed from the at least one financial account computer, the check and at least one machine user input corresponding to the certification data from a machine user during a transaction not requiring machine user identifying data;

(f) communicating data between the automated banking machine and the at least one financial account computer;

(g) determining through operation of at least one of the automated banking machine and the at least one financial account computer, that data corresponding to the check and the certification data received by the automated banking machine in step (e), correspond to data stored in the at least one data store; and

(h) responsive to the determination in (g) operating at least one cash dispenser of the automated banking machine to dispense cash to the machine user, wherein the dispensed cash has a value corresponding to the check amount.

2. The method according to claim 1 and further comprising:

(i) prior to (e), receiving from a person through the at least one consumer interface device, data identifying the check and the certification data;

(j) responsive to (i), outputting to the person responsive to operation of the at least one financial account computer, through the at least one consumer interface device, at least one output indicative that the check may be exchanged for the check amount.

3. The method according to claim 2 wherein the at least one consumer interface device includes a telephonic interactive voice response (IVR) device, wherein in (j) the at least one output includes an audible telephonic output.

4. The method according to claim 2 wherein (e) includes generating image data corresponding to a visual image of the check through operation of a check imaging device in the automated banking machine, and resolving through operation of the automated banking machine from the image data, resolved identifying data identifying the check and at least one resolved amount corresponding to the check, wherein in (f) the resolved check identifying data and at least one resolved amount is communicated to the at least one financial account computer.

5. The method according to claim 4 wherein in (e) the resolved check identifying data corresponds to at least one character included in at least one of a micr line and a check number on the check.

6. The method according to claim 4 wherein the at least one consumer interface device includes a web interface, and wherein at least one of (a) and (i) includes receiving data corresponding to a visual image of the check generated by at least one of a portable phone, a PDA and a digital camera.

7. The method according to claim 4, wherein the automated banking machine includes a card reader operative to read indicia on user cards corresponding to at least one of a user or a user'"'"'s financial account, and further comprising:

k) reading indicia from a user card through operation of the card reader;

l) communicating data corresponding to the indicia read in (k) from the automated banking machine to the at least one financial account computer;

m) determining through operation of the at least one financial account computer that the data communicated in (l) corresponds to a valid financial account;

n) responsive to the determination in (m), communicating between the automated banking machine and the at least one financial account computer;

o) operating the automated banking machine to cause the cash to be deposited into the valid financial account responsive to the communication in (n).

8. The method according to claim 1

wherein in both (a) and (c) the at least one consumer interface device is remotely

disposed from the automated banking machine.

9. A method comprising:

a) receiving with at least one financial account computer from a maker of a check, check identifying data, wherein the check identifying data includes data corresponding to a financial account associated with the maker and a check amount;

b) determining through operation of the at least one financial account computer responsive to the check identifying data received in (a), that the check can be paid from the account in the check amount;

c) responsive to the determination in (b), generating certification data through operation of the at least one financial account computer;

d) communicating the certification data generated in (c) to the maker of the check,

wherein the at least one financial account computer enables a bearer of the check subsequent to (d) to use an automated banking machine in operative communication with the at least one financial account computer to carry out a check cashing transaction to exchange the check for cash corresponding to the check amount, wherein the certification data enables the bearer subsequent to (d) to use the automated banking machine to carry out the check cashing transaction without need of any machine user identification data.

10. The method according to claim 9 and further comprising:

e) receiving the certification data and at least some of the check identifying data from the bearer of the check through a consumer interface device, wherein the consumer interface device is in operative connection with the at least one financial account computer;

f) responsive to (e), providing at least one output to the bearer through the consumer interface device, indicating that the check can be exchanged for the check amount.

11. The method according to claim 10, and further comprising:

g) receiving the check and the certification data through operation of an automated banking machine operative to communicate with the at least one financial account computer during a check cashing transaction to exchange the check for cash corresponding to the check amount, wherein the automated banking machine during the check cashing transaction receives no information from the bearer that is usable to personally identify the bearer;

h) responsive to receiving the check and the certification data in (g), dispensing cash to the bearer from the automated banking machine.

12. The method according to claim 11 and further comprising:

i) subsequent to (g) and prior to (h), communicating data corresponding to the certification data and data corresponding to the check from the automated banking machine to the at least one financial account computer;

j) determining through operation of the at least one financial account computer that the certification data communicated in (i) corresponds to the certification data generated in (c) and that the data corresponding to the check communicated in (i) corresponds to at least some of the check identifying data;

k) responsive to the determination in (j), communicating authorization data between the at least one financial computer and the automated banking machine;

wherein cash is dispensed in (h) responsive to the communication in (k).

13. The method according to claim 12 and further comprising:

l) subsequent to (g) and prior to (i), producing image data corresponding to an image of at least a portion of the check through operation of the automated banking machine, and resolving from the image data at least some of the data corresponding to the check that is communicated in (i).

14. The method according to claim 13 wherein in (e) the consumer interface device comprises a telephonic interactive voice response (IVR) device.

15. The method according to claim 13 wherein in (e) the consumer interface device comprises a text messaging device.

16. The method according to claim 13 wherein in (e) the consumer interface device comprises a web interface.

17. The method according to claim 9 and further comprising:

e) receiving the check and the certification data through operation of an automated banking machine operative to communicate with the at least one financial account computer during a check cashing transaction to exchange the check for cash corresponding to the check amount, wherein the automated banking machine during the check cashing transaction receives no input information from the bearer that is usable to personally identify the bearer;

f) responsive to receiving the check and the certification data in (e), dispensing cash to the bearer from the automated banking machine.

18. A method comprising:

(a) operating a self-service check-cashing automated banking machine during a check cashing transaction to receive from a check bearing customer of the machine, a paper check that was pre-approved to be treated by the machine as a particular amount of cash to allow a bearer of the check to cash the check anonymously at the machine, wherein the particular amount of cash corresponds to an amount indicated on the check, wherein the machine is operative to carry out the transaction without requiring any data related to identity of the customer; and

(b) responsive to step (a), operating the machine during the transaction to dispense the particular amount of cash to the customer without requiring any data related to identity of the customer to conduct the transaction.

19. The method according to claim 18 wherein step (a) includes operating the machine to receive from the customer, a check cashing code uniquely correlated in a data store with data corresponding to the check, and wherein step (b) includes dispensing the particular amount of cash responsive to the machine receiving both the check and the code.

20. The method according to claim 18 and further comprising:

(c) prior to step (a), holding funds corresponding to the particular amount from a checking account on which the check is drawn.